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Spyder Insurance Cost VS 2 Wheeled Bike Insurance Cost
- Thread starter adzgrrrl
- Start date
CrashDavis
Member
Markel
I agree with the Markel (markelinsuresfun.com) recommendation. Check to make sure you don't have some additional coverage you don't want. I recently became a Spyder ryder and my cost is about the same as my Victory. However when I added my RT-L to my policy, additional coverages were added that increased my costs significantly (something about Florida law saying I had to have it unless I have paperwork saying I don't want it). Once I jumped that bureaucratic obstacle, my costs went back down to reasonable.
As an aside, I won't even consider Allstate after they sent me a bill for more premium 10 months after I had already paid what they told me my entire year's bill was. They said it was because my rates changed when they could charge my checking account automatically each month. When asked why that wasn't taken into account when they gave me a price for paying it all up front, that answer was "Tough".
I also won't consider State Farm because when they thought I owed them some money following an accident, instead of sending me or my insurance company a bill (they knew how to contact us), they sent it directly to a collection agency who wrote a letter to Florida telling them they should take my license because I wasn't being financially responsible.
Anyway, Markel is good.
I agree with the Markel (markelinsuresfun.com) recommendation. Check to make sure you don't have some additional coverage you don't want. I recently became a Spyder ryder and my cost is about the same as my Victory. However when I added my RT-L to my policy, additional coverages were added that increased my costs significantly (something about Florida law saying I had to have it unless I have paperwork saying I don't want it). Once I jumped that bureaucratic obstacle, my costs went back down to reasonable.
As an aside, I won't even consider Allstate after they sent me a bill for more premium 10 months after I had already paid what they told me my entire year's bill was. They said it was because my rates changed when they could charge my checking account automatically each month. When asked why that wasn't taken into account when they gave me a price for paying it all up front, that answer was "Tough".
I also won't consider State Farm because when they thought I owed them some money following an accident, instead of sending me or my insurance company a bill (they knew how to contact us), they sent it directly to a collection agency who wrote a letter to Florida telling them they should take my license because I wasn't being financially responsible.
Anyway, Markel is good.
foxtail1
New member
Well, you got me nervous, as I'm picking up my new Spyder F3 on Friday and hadn't even thought that the insurance would be higher. But, here in Virginia, it is not. I have Allstate as well (home, cars, motorcycles), and my agent just checked and it will be $153 to $161 per year (depends on the VIN). That is about what we pay for each of our other bikes (Harleys and a Suzuki V-Strom).
That's a huge difference apparently just based on location. (We are also ... mature riders with good driving records.)
That's a huge difference apparently just based on location. (We are also ... mature riders with good driving records.)
Docster
New member
In February I totalled my Harley Electraglide Classic, waking up in an ICU. After 4 weeks in the hospital my wife showed me that despite her MS she could get on a Spyder (never could get on the Harley) so we got one.
Progressive paid me $10,800 on the bike and $2000 of the hospital bill (about 1/4 days' bill :yikes: ) so I expected a major increase in the premium on the Spyder.
--it went DOWN to $276/year :yes:
Progressive paid me $10,800 on the bike and $2000 of the hospital bill (about 1/4 days' bill :yikes: ) so I expected a major increase in the premium on the Spyder.
--it went DOWN to $276/year :yes:
Schwingel9
New member
42 a month am fam.
Geico
I have my2015 RT Limited with Geico and my 2016 Ford 150 loaded Lariat.
The RT Limited with high limiters of coverage is a $98.22
The F150 with the same coverage as the RTL plus $5 coverage for a 24 foot trailer is $116.35 monthly.
Time for me to check other companies
I have my2015 RT Limited with Geico and my 2016 Ford 150 loaded Lariat.
The RT Limited with high limiters of coverage is a $98.22
The F150 with the same coverage as the RTL plus $5 coverage for a 24 foot trailer is $116.35 monthly.
Time for me to check other companies
mark4Jesus
New member
@adzgrrl What did you finally get?
SteveP
New member
Same in Ont
That is almost exactly what I pay here in Toronto area Bob for my Spyder , Multi- policy with Farmers ( now Commonwell ) clean record etc
That is almost exactly what I pay here in Toronto area Bob for my Spyder , Multi- policy with Farmers ( now Commonwell ) clean record etc
My 2015 RT costs me $173 per year for full coverage here in southern Ohio. I have all my insurances through Allstate and that price includes several discounts such as multi policies, motorcycle safety course, motorcycle organization, anti-lock brakes, safe rider, and a few others. I do shop around every couple of years, but no other company has beat them yet. Any claims I have had in past years have been handled quickly and to my satisfaction, so if it ain't broke don't fix it. I think it all boils down to having a good agent. Oh yeah, that price is actually cheaper than the Triumph Trophy I had before the RT.
Last edited:
youngers
New member
aaadddddzzzzzzz grlllllll
must be the area you are in , just did last night , check into other insurance , progressive was 1400 a year the chieftain,and the spyder , went to foremost insurance , they were 600 cheaper { plus they put in non-insured accident , and about the same coverage progressive had } but with foremost , a cheaper deductible ... you might need to move here for insurance , both of you guys !
must be the area you are in , just did last night , check into other insurance , progressive was 1400 a year the chieftain,and the spyder , went to foremost insurance , they were 600 cheaper { plus they put in non-insured accident , and about the same coverage progressive had } but with foremost , a cheaper deductible ... you might need to move here for insurance , both of you guys !
Big F
New member
I just reviewed and shopped for insurance for my RAM truck, Jayco RV, Polaris Ranger, Polaris 4-wheeler and my 2014 Spyder RT Limited. I had them all insured by Nationwide for several years. checked Progressive and Geico and could save some bucks, however my agent now writes for WADENA Ins. Co. from Des Moines, Iowa and they had the best overall premiums. My new rate for my Spyder is $236.00 annually for full coverage where I was paying $313.00 with Nationwide. saved a lot on my RAM truck also. Just an FYI..
Good luck shopping as the rates are all over the board..
BIG F
WilderThomas
New member
Insuring a Spyder
You also might take a look at Geico if it's offered in your state for motorcycles.
You also might take a look at Geico if it's offered in your state for motorcycles.
Back in March when I was insurance hunting, State Farm, my company since 1980 for home and vehicles, declared that did not insure Spyders whatsoever.
So, quotes from AARP - $419 per year.
From Allstate - $420 per year.
From Geico - $278 per month! :shocked:
Went to Allstate because the guy was local and knew his stuff.
These quotes were all for the exact same coverage.
So, quotes from AARP - $419 per year.
From Allstate - $420 per year.
From Geico - $278 per month! :shocked:
Went to Allstate because the guy was local and knew his stuff.
These quotes were all for the exact same coverage.
Plus I don't trust Geico. I went shopping and they later sent me a follow up email saying they were increasing the quote since they noticed from my credit record I was shopping. That suggests to me they want to sell a policy initially cheap and keep raising the rates.
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